See Further
Identify the signals, dependencies, risks, and opportunities that are easy to miss when the organization is moving fast.
PAYMENTS INTELLIGENCE + EXECUTIVE ADVISORY
Connect the signals. Reveal the value. Chart the course.
ROMI connects fragmented signals across people, payments, technology, risk, contracts and operations — revealing what matters, where value is hidden, and the clearest path forward.
Sponsor BanksMerchant AcquiringCard IssuingRisk & ComplianceOperations & Growth
ASK ROMI
Ask the question. See the whole picture. Make the next move.
Ask ROMI is the conversational front door to connective intelligence. ROMI brings together the relevant data, signals, relationships, and operating realities behind the question — revealing what matters, why it matters, and what to do next.
Ask • See • Know • Move
ASK ROMI — EXAMPLE
“What changed, why does it matter, and what should we do next?”
ROMI connects the question to the surrounding signals, relationships, and operating realities — then turns the answer into clear decisions, prioritized action, and measurable follow-through.
Interactive Ask ROMI experience in developmentROMI INTELLIGENCE
The intelligence behind the answer.
Behind Ask ROMI is the connective intelligence layer that brings fragmented data, signals, relationships, and operating realities together across the payments ecosystem — so the answer reflects how the pieces actually work together, not just what any one system can see.
Connect → Understand → Decide → Act → Measure
THE PROBLEM
Clarity matters more than more data.
The challenge is knowing what changed, what matters, what to trust, and what decision to make next.
That becomes harder as payments businesses scale across products, partners, geographies, risk signals, regulatory expectations, operating models, and increasingly AI-enabled decision systems.
ROMI helps leaders turn complexity into decision-ready intelligence.
THE ROMI FRAMEWORK
See further. Decide smarter. Lead with confidence.
Decide Smarter
Translate information into practical choices, decision memos, executive briefings, and escalation paths leaders can act on.
Lead With Confidence
Align people, operating models, controls, and technology around decisions that can withstand scrutiny and scale.
PEOPLE + PAYMENTS + TECHNOLOGY
Great systems work because the parts work together.
Our passion has always been people, payments, and technology — and the interoperability between all three.
ROMI applies that same lens to executive decisions: business strategy is strongest when people, process, risk, data, and technology reinforce one another instead of operating as separate conversations.
CONNECTIVE INTELLIGENCE
PEOPLE
PAYMENTS
TECHNOLOGY
ROMI
CONNECTIVE INTELLIGENCE
Connect→Understand→Decide→Act→Measure
ContextDependenciesRiskEconomicsTimingOwnershipOutcomes
Clear decisionsPrioritized actionMeasurable results
AREAS OF FOCUS
Operator-first advisory for complex payments environments.
ROMI works where executive judgment, risk, compliance, operations, technology, and growth intersect.
Payments & FinTech Strategy
Executive perspective for growth, partnerships, operating models, product decisions, and complex payments initiatives.
Sponsor Bank Oversight
Programs, controls, governance, escalation, and portfolio oversight designed around the realities of sponsor-bank relationships.
Merchant Risk & Compliance
Risk frameworks, monitoring, underwriting, escalation, evidence, and executive visibility across merchant portfolios.
Acquiring & Issuing
Operating and risk perspective across merchant acquiring, card issuing, processors, PayFacs, ISOs, and marketplaces.
Operations & Transformation
Execution discipline for scaling teams, workflows, controls, cross-functional ownership, and decision velocity.
AI-Enabled Risk Intelligence
Practical approaches to using AI for monitoring and decision support while maintaining trust, accuracy, governance, and control.
ABOUT ROMI
Built from the operator's seat.
ROMI Executive Intelligence brings decades of payments, fintech, financial-services, risk, compliance, and operations experience to complicated decisions where the answer rarely lives in a single dashboard or department.
The work is practical by design: understand the problem, identify what matters, make the decision clearer, and help the organization execute.
01
Operator first.
Recommendations grounded in how payments businesses actually work.
02
Decision oriented.
Briefings, memos, frameworks, and escalation design built for action.
03
Quiet confidence.
Clear thinking without unnecessary complexity, theater, or noise.
ROMI IN ACTION — MERCHANT / ACQUIRING
From a fragmented payment stack to a prioritized action plan.
This illustrative merchant shows how ROMI connects processors, gateways, payment methods, risk, contracts, and operating context — then turns the combined signal into prioritized next actions.
Annual volume$4.8M
Channel mix61% eCom
Effective cost3.12%
Chargebacks0.74%
CONNECTED PAYMENT ENVIRONMENT
ROMI connects the stack before it recommends the move.
Processor, gateway, payment methods, fraud signals, contracts, disputes and commerce context are normalized into one operating view.
Processing + routing
Processor / AcquirerGatewayOrchestration
Payment methods
CardsACH / Pay by BankPayPalWalletsBNPL
Operating context
eCommerce / POSFraud + RiskDisputesContracts + Pricing
Connection paths
APIWebhookSecure FileStatement / Export
Illustrative signals ROMI can surface
Examples shown here are illustrative, not exhaustive; the signals ROMI can evaluate expand with the data, permissions, integrations, and business context available.
01
COST
Fix recurring fee leakage before changing providers.
Sample billing analysis identifies 16.5 bps of recurring avoidable fees — about $7,920 annually at the current payment volume.
02
PERFORMANCE
Recover avoidable declines before accepting lost revenue.
About 1.2% of attempted payment volume is associated with recoverable decline patterns. ROMI prioritizes gateway retry logic, fraud-rule tuning, and routing changes as the first performance workstream.
03
RISK + CONTRACT
Use the renewal window to fix disputes and improve negotiating leverage.
Two dispute reason codes represent 63% of sample cases, while the processing agreement renews in 120 days — creating a practical window to fix operations and renegotiate from evidence.
ASK ROMI
“What should happen next — and what can ROMI handle?”
Keep the processor in place — for now.
ROMI’s next-best-action plan is to fix measurable leakage first, recover avoidable declines, compare payment-method and provider options, and then use the measured results to decide whether to renegotiate, reconfigure, or change providers.
1 Reconcile processor billing to contract + flag exceptions
2 Model gateway, retry + fraud-rule changes
3 Compare payment-method gaps + provider options
4 Build renewal package + track measured results
Illustrative early-access concept using a fictional merchant. Live recommendations would use authorized client data and agreements. Execution capabilities depend on provider integrations, permissions, and client approval.
Request Early Access →
Early access is open as ROMI expands across acquiring, partner / channel, issuing / sponsor-bank, network, and payment-rail intelligence.
THE SAME INTELLIGENCE — PORTFOLIO VIEW
One portfolio. Ranked actions across every authorized merchant.
ROMI applies the same intelligence layer across merchants, processors, gateways, and payment methods. Portfolio signals become merchant-specific actions, ownership, and follow-up measurement.
Billing / fee exceptions9
Risk review / escalation6
Renewals due11
Action-ready merchants18
PORTFOLIO CONNECTIVITY
Different merchants. Different processors. One intelligence layer.
ROMI is designed to normalize permissioned merchant data across processor, gateway, payment-method and risk environments so an ISO or partner can operate from one portfolio view instead of separate portals and spreadsheets.
Provider landscapeMultiple processors • gateways • acquiring relationships
Payment landscapeCards • ACH • wallets • PayPal • BNPL • emerging rails
Business contextCRM • support • contracts • pricing • disputes • renewals
Ingestion optionsAPIs • webhooks • secure files • statements • exports
One intelligence engine.Merchant-level clarity for the business owner. Portfolio-level intelligence for the acquirer or ISO partner.
Portfolio priorities this week
Counts and examples are illustrative. ROMI can surface a broader range of portfolio signals as connected data, permissions, and workflows expand.
9
Fee exceptions ready for action
ROMI can prepare merchant-level billing exceptions and the contract evidence needed for provider resolution.
6
Risk interventions prioritized
ROMI ranks the merchant cohort, the reason for escalation, the recommended response, owner, and follow-up date.
14
Payment-expansion opportunities
ROMI can surface opportunities across payment methods, routing, provider configuration, customer experience, cost, and other connected signals that may improve performance.
3
Authorization recovery plays
ROMI can trace approval loss across the connected payment flow to help determine where the first controllable action belongs — and what evidence supports it.
ASK ROMI — PORTFOLIO
“Where should the team act first — and what can ROMI drive?”
1. Harbor House Outfitters
Open a pricing + renewal workstream: reconcile billing to contract, isolate dispute drivers, prepare the provider evidence pack, and set the negotiation sequence.
2. Summit Home & Garden
Open an authorization-recovery workstream: test gateway retry logic, fraud rules, and processor routing before changing commercial terms.
3. Fieldstone Fitness
Open a recurring-payments workstream: tune retries, review account-updater and token settings, and test ACH / pay-by-bank as a recovery path.
ROMI turns the portfolio signal into ranked work queues, merchant-specific next actions, supporting evidence, owner assignments, and outcome tracking. Where integrations and permissions allow, approved actions can be triggered or coordinated through the same workflow.
Illustrative early-access portfolio. Visibility is permission-based. Execution depends on provider integrations, merchant authorization, and approved workflows.
ISSUING INTELLIGENCE
See the payment from every side — and understand what happens between them.
ROMI connects issuer and sponsor-bank context with merchant, acquiring, partner, and network signals. Authorization, fraud, tokenization, disputes, settlement, rules, and program obligations can then be understood as one payment flow — not separate systems.
ONE CONNECTED PAYMENT VIEW
MERCHANT / ACQUIRING
Checkout • gateway • processor • acceptance • disputes
↔
ISO / PARTNER
Portfolio • service • pricing • risk • merchant action
↔
ISSUER / SPONSOR BANK
Authorization • program • fraud • tokenization • controls
CONNECTED CONTEXT — Issuing decisions can be understood alongside merchant, acquiring, network, and rail signals without collapsing those perspectives into one view.
Authorization rate
91.4%
Recoverable approval opportunity
1.1%
Tokenized wallet share
38%
Applicable network actions
7
CONNECTED ISSUING ENVIRONMENT
ROMI connects the decisioning context — not just another issuer dashboard.
Issuer Processor BIN + Program Networks Token Services Fraud + Risk Disputes Settlement + Reconciliation Merchant + Acquirer Context Program Rules + Obligations
Illustrative signals ROMI can surface
Examples shown here are illustrative, not exhaustive; available intelligence expands with authorized program, processor, network, risk, operational, and ecosystem data.
01
AUTHORIZATION
Separate issuer decisioning from gateway, acquirer, and network effects.
Instead of treating every decline as one problem, ROMI can isolate the likely decision point, affected segments, and the first intervention worth testing.
02
NETWORK + TOKENIZATION
Turn rule and token-service changes into specific program actions.
ROMI can map relevant network changes to programs, products, wallets, owners, deadlines, evidence, and expected customer or operational impact.
03
FRAUD + DISPUTES
Find where risk is actually concentrating across the payment flow.
Issuer, merchant, acquirer, network, and cardholder signals can be connected so the next action targets the real driver instead of applying a broad control.
ASK ROMI — ISSUING
“Where is approval loss actually coming from — and what should we change first?”
Start with the decision point, not the symptom.
ROMI can connect the issuer decision, processor response, network context, merchant/acquirer behavior, fraud configuration, and payment method before creating the next-best-action plan.
1Isolate the affected decline families + segments
2Determine where the first controllable decision sits
3Create the targeted policy, routing, token, or provider action
4Measure approval, fraud, dispute, and customer outcomes
Illustrative early-access concept. Live issuing and network intelligence would depend on authorized data, provider integrations, program permissions, and applicable controls.
NETWORK INTELLIGENCE
See which network changes matter — and what needs to happen before they take effect.
ROMI is designed to connect network rules, bulletins, economics, token services, authorization requirements, dispute programs, and rail changes across card networks, debit and PINless debit networks, ATM / EFT networks, and other payment networks — then relate them to the merchants, issuers, acquirers, ISOs, sponsor banks, programs, partners, products, and workflows they affect.
Applicable changes12
Payment flows affected4
Owner workstreams3
Deadlines within 45 days2
Illustrative signals ROMI can surface
Examples shown here are illustrative, not exhaustive; available intelligence expands with connected network, provider, program, contract, operational, and market data.
RULES + MANDATES
Map applicability before the deadline becomes the problem.
Connect effective dates, program scope, merchant segments, products, providers, controls, and owners to the change that actually applies.
AUTHORIZATION + TOKENIZATION
Translate network change into downstream approval and acceptance impact.
Relate token-service, authentication, reason-code, and authorization changes to issuer, acquirer, gateway, wallet, and merchant behavior.
ECONOMICS + DISPUTES
Surface the operational and financial consequence, not just the bulletin.
Connect fees, dispute programs, settlement changes, contractual obligations, and operating workflows to the teams that need to respond.
ASK ROMI — NETWORK
“Which network changes matter to us — and what has to happen before they take effect?”
Start with applicability, then ownership.
ROMI can connect a network change to the affected business lines, payment flows, providers, controls, contracts, owners, deadlines, and measurable outcomes — then turn that understanding into a prioritized work plan.
Map applicability and effective dates
Assign owners, dependencies, and deadlines
Prepare provider questions, evidence, and change plans
Track implementation and downstream outcomes
Illustrative early-access concept. Live network intelligence depends on authorized sources, applicable provider/network data, integrations, permissions, and controls.
BEYOND CARDS
One operating view across the payment methods, providers, and platforms that power your payment environment.
ROMI is being designed to connect and normalize intelligence across cards, bank payments, wallets, PayPal, BNPL, real-time payments, digital-asset providers, processors, gateways, risk tools, contracts, and future rails. Decisions are based on the whole payment environment — not one portal, statement, gateway, or processor.
Cards
ACH / Pay by Bank
PayPal + Wallets
BNPL
RTP / Instant
Crypto / Stablecoin Payments
Gift / Stored Value
Processors + Gateways
Illustrative connected environment — payment methods, providers, platforms, and signals shown here are examples, not limits.
ROMI PAYMENT FABRIC
Connect the rails. Normalize the signals. Compare the outcomes.
Instead of treating each processor, gateway, payment method, and risk provider as a separate dashboard, ROMI can normalize authorized data into a shared model for cost, conversion, risk, settlement, resilience, and customer experience.
01Connect provider and platform data through scoped APIs, webhooks, secure files, statements, exports, or other approved feeds.
02Normalize processors, gateways, rails, and payment events into a common operating model.
03Compare performance, economics, risk, settlement, customer experience, and provider fit in context.
04Decide + Act what to reconfigure, add, route, renegotiate, or change — then create the work plan, owner, and measurement loop.
ILLUSTRATIVE CROSS-RAIL VIEW
Method
Cost
Conv.
Settle
Risk
Opp.
Cards
↑
●
●
↑
High
PayPal / Wallet
●
●
●
●
Med
ACH / Bank
●
●
●
●
High
BNPL
↑
●
●
●
Med
Digital Asset
●
●
●
↑
Med
Illustrative only. A live ROMI view would use the merchant’s authorized data sources and define each metric consistently before comparison.
Built for insight without unnecessary card-data exposure.
ROMI's normal analytics path is being designed around provider IDs, payment events, operational metadata, statements, contracts, and scoped references — not raw card credentials.
START A CONVERSATION
ASK • SEE • KNOW • MOVE
Ask the question. See the whole picture. Make the next move.
When you don’t know where to start, ROMI helps connect the signals, surface what matters, and turn uncertainty into clear decisions, actionable next steps, and measurable results.